Applications / Mortgage Analytics / Lenders / Texas / First Texas Bank
Georgetown, TX · State non-member bank · FDIC · $1.3 billion assets · 67 loans in 2025
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67
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Texas Bank is growing fast: it made 67 loans in 2025, up 52% on 2024, a quicker rise than at about nine in ten similar lenders.
Its loans rose 52%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% across the market. The count has climbed in each reported year from 28 in 2023. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending. Its 2024 merger with another bank called First Texas Bank may account for some of the rise.
Jumbo loans, those larger than the conforming limit, made up 10.9% of its lending, against 1.7% at peers, a higher share than at about nine in ten. Yet its typical loan, $175,000, was close to peers' $170,000, and down from $295,000 in 2024. All its loans were conventional.
Majority-minority areas took 34.3% of its loans, against 6.8% at peers, a higher share than at more than four in five. Low- and moderate-income (LMI) areas took 22.4%, against 18.5%. Its share of loans to LMI borrowers fell from 31.2% to 18.6%, lower than at about three-quarters of peers. The bigger loans in its book may be one reason.
In Austin-Round Rock-San Marcos, which it has served since 1990, it ranked 241 of 753 lenders; United Wholesale Mortgage led. It ranked 54 of 394 in Killeen-Temple, where its share rose.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Texas Bank took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.8% · Refinance 29.9% · Home improvement 14.9% · Other 10.4%
Conventional 100.0% · of 67 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 67 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 35 |
| Austin-Round Rock-San Marcos | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005QU87D4OE5GZ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 444350 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311935 | 1990–2017 |
Established 1 January 1898. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Texas Bank's data.
First Texas Bank's data
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